Te United States' nui, me te matatini ōhanga tuku pea te aano pūmanawa mō te hua me ngā ratonga i roto i te aamu, engari ki te taua whai wāhitanga mai i te mōrea o te pāme, tinihanga, me ëtahi tahae
Te parau tumu o te arai emptor ranei"kaihoko kia tupato"i roto i te hou mātapono, tano tonu rite nui rite reira kua mai te ata o te tauhokohoko.
I roto i te teie mahana o te ōhanga, heoi, he kiritaki taea e taka pārurenga ki te te kaihoko o te taonga, ratonga rānei, i te pēke, te nama kaikohi, ranei i tetahi mahi e tango painga o ona tūranga ki te whai wāhi i roto i te haavareraa ranei i te tinihanga. Tatou e whakatakoto ana i te ara, i roto i te puka o te rua noa ture, me te hānga ana, me te āhua ture, ki te te tiaki i ngā kiritaki' ngā motika me ngā ngākau nuitanga. Ko te Federal Trade Commission Act (FTCA), i te tuatahi e mahia ana i runga i te tau, he nui te federal tiaki kiritaki tikanga.
I hanga te reira i te Federal Trade Commission (FTC), i te mea whakatupato ki te uruhi antitrust ki nga tikanga, me te whakatairanga i te kiritaki tiaki.
Te FTC o te Bureau o Kiritaki Tiaki rangahau te kiritaki amuamu e pā ana ki te teka hokohoko i te mahi me ētahi atu takahitanga o te tiaki i te kaihoko tikanga. Āhua ano hoki i to ratou ake kiritaki tiaki he tikanga kaitiaki ki te tinihanga me te te tinihanga e te pakihi me te takitahi e hoko i te taonga ratonga ranei. California o te Kiritaki te Ture Rongoā Mahi ko tetahi o te whānui rawa ki te tiaki kaihoko tikanga i roto i te whenua. Te reira i te opani ngā momo o te pānuitanga teka, pērā i misrepresenting te puna ranei, te kounga o te taonga, ranei ki teka e tohu ana i te whakamahia ranei tupuheke te taonga i rite"waiata hou."Te āhua, me te te ture e hānga ana i ngā kiritaki i roto i te bibilia te nama kohinga mahi. Ko te federal Ataahua Nama Kohinga Tikanga o te Ture (FDCPA) whänui te tautuhi"nama kaikohi"i rite ki te tangata mā te whakamahi mail ranei ētahi atu mea o te halá hokohoko ki te ngana ki te kohikohi i te nama, i roto i te autaki ranei e tika te tikanga, mo tetahi. Tona te tiaki iti ki te whaiaro, te utuafare, me te whare te nama, me te reira, te reira e kore e ngā nama pakihi takitahi ranei nama pau mō ngā take pakihi. Whakatakoto te reira i te rohe i runga i te wa o te ra i roto i nei nama kohikohi ai te whakapā atu ki te kiritaki, a e titau te reira ia ratou ki te mutu te kōrero ki te kiritaki, ki te kahore i roto i te whakawakanga, ki runga ki te taenga o te tono i tuhituhia. Te FDCPA e whakarato ana hoki i te -ra te wā i roto i te i te kiritaki ai te tautohe i te mana o te nama, me te tono whakaū. I te tangata o te tapeke moni tāwere kua riro i te arohaehae nui te wahi o te mōhiohio, e he pānga e kore e anake i runga i tona ranei tona kaha ki te hoko i te whare ranei, i te motokā, engari ano hoki i runga i te mahi pai i roto i te maha ngā take. Pūrongo moni tāwere te ngā pokapū (CRAs) he hinonga tūmataiti ki te iti mārama ranei, te mana, te pera maha ngā tikanga tiaki i te kiritaki ki te teka ranei hē pūrongo moni tāwere. Ko te Ataahua Pūrongo moni Tāwere te Ture (FCRA) e titau CRAs ki te whakarato i te kiritaki ki te ngā mōhiohio i roto i roto i to ratou i ngā kōnae i runga i taua kiritaki, a ki te manatoko i tetahi mōhiohio e tautohetia ana e te kiritaki. I te tau whakatikatika ki te ture, ko te Ataahua, me te Tika Nama, ngā Whakawhitinga i te Ture, e āhei kiritaki ki te whiwhi i tētahi pūrongo moni tāwere i tenei tau, utu o te tiaki.
Te Parau mau i roto i te te Tuku i te Ture (TILA) tiaki i ngā kiritaki ki te teka ranei i teie mahi i te pareparenga, me ētahi atu nama.
E titau te reira i te pareparenga, me ētahi atu kaituku ki te whāki i te utu tapeke o te taurewa, tae atu ki te katoa ngā ngākau nuitanga, me te tahi atu utu e tūmanakohia ana ki te kia utua i runga i te ora o te taurewa, i te wa i te kiritaki tohu i te promissory note. Mō ngā pūtea taurewa e hanga i te takoto i runga i te kiritaki o te noho, pērā i te mokete te kāinga refinance, ki te ture a te toru-te ra tika o rescission, te tikanga e te i te kiritaki kia whakakore i te pūtea taurewa ki te kahore he whiu. Te Real Estate Whakataunga i ngā Tukanga Mahi (RESPA) opani i etahi tikanga tinihanga mahi i roto i te real estate transactions, tae atu ki te utu o te kickbacks i waenganui i te real estate agents, hanga kamupene, mortgage brokers, me kaituku. Kaituku e hiahiatia ana e te ki te whakarato i te pai-whakapono te whakatau tata o te pūtea o te utu, rite ki te whakaaturanga e hiahiatia ana e te TILA.
Te kiritaki i te hoko tūturu whenua i te mea hoki e tika ana ki te tauākī whānui, e mohiotia ana ko te HUD, whakaatu ana me pēhea te utu hoko ko ki te waiho i peheatia i te katinga.
Ko te haumarutanga o te kiritaki' mōhiohio te tautuhi i (PII) ko te arohaehae nui rite ki te tikanga o te tiaki ki te tuakiri tahae, me ētahi atu momo o te tinihanga. Ko tētahi ko te tino whānui ture, ko te Inihua Hauora Mateā me te kawenga Takohanga Act (HIPAA), e whakatakoto national standards mō te hauora recordkeeping i roto i te tikanga ki te tiaki i ngā kiritaki'"tiakina ngā mōhiohio hauora."Ko tētahi atu momo o te kiritaki tiaki tūmataiti ko te Motu e Kore E te Karanga Rēhita (DNCR), i hanga e te FTC ki te ū ki te Mahi i te-Kore-te Karanga i te Whakatinanatanga i te Ture o te tau. Kiritaki kia te haina ki runga mo te rēhita online, me te telemarketers i te toru tekau ma tetahi ra i te rā o te rēhita ki te mutu i te karanga e, te tau waea. He maha telemarketing umanga te mau tonu to ratou ake mahi i te-kore-te karanga i te rārangi Neke atu i te tekau tau i mua i te DNCR haere te ora, i te USA ka rāhuitia tonoa waeatuhi ki te i te Kiritaki Waea Protection Act o te tau. Ko te Huanui Safety Act o te tau i hanga te National Highway Traffic Haumaru Whakahaere (NHTSA), e ko te wahi i ako ki te uruhi i te kiritaki haumaru ture ki te whakaaro ki automobiles. I te taumata kāwanatanga, rēmana te ture tiaki i ngā kiritaki ki te teka ranei he tinihanga nga mahi e whakamahia ana motokā kaihokohoko. I roto i te tua ki te FTCA, te ture e hānga ana i rite ki te Kiritaki Hua Haumaru Act (CPSA), me te Hānga ana i te Kai me te Drug Act (FFDA) e rapu hua kiritaki, ngā, kai, te raau taero, me te poke, ki te whakatau i te ngā haumaru paerewa. Te Kiritaki Hua Safety Commission, me te Kai me te Drug te uruhi Whakahaere maha o enei ture me ngā waeture. Te nuinga o tiaki i te kaihoko tikanga e pā ana ki te hua haumaru e hāngai ana ki te ārai whara i puta Ki te i te kiritaki whara i te hapa hua, te noa, te ture e te parau haapiiraa o te hua taunahatanga taea ai e ratou ki te whakawakia mo te tukinotanga. Te nuinga o āhua i mohio i te iti rawa e toru ngā momo o te hē, e taea te tautoko i te titau: o te hoahoa koha, a, no te he hua ko ere i te haumaru o te koha ahumahi, a, no te te koha puta i roto i te tukanga production, ranei te hokohoko koha, a, no te he hua kei te pānuitia ranei whakatairangatia ana mō te hē te whakamahi e faatupu i te whara.
